We’re very willing to invest and make payments and get insurances for our cars or houses- but what of our health?
Given our chances of catching colds, flues, and a host of other diseases very quickly- health insurance is something we must certainly look into! Sure enough it’s easy to just walk into a store or your doctor’s clinic and grab hold of a few medicines or ask him for medical advice, but what about the payment?
In certain circumstances it’s not that easy to dole out cash and there is where health insurances that cover health costs, bills and hospitalization in advance, should enter the picture.
These days it’s hard not to talk about, or at least consider health insurance; given our propensity for accidents and illnesses health care insurance should be one of the few things that should definitely be on our list of things to look into.
In 2012, after Obama’s re-election, there’s been a new health care program entitled: Medicare.
Medicare is a US Government sponsored medical program and its greatest benefits lie in the fact that it is very willing to cover the health care costs of both old people and the disabled.
The insurance covers medical costs and hospitalization and visits to the doctor; which means that you don’t have to worry about paying for your dad or grandfather’s weekly clinic trips; just focus on them getting better- Medicare’s covering it all!
However, as with all healthcare programs there is one issue.
Medicare has certain deductibles which means that they may still demand a certain sum of money from people above the poverty line in order for them to make premium and coinsurance payments.
Similarly, in some cases, prescription drug coverage may cost a certain amount which could empty your bank account or you might just be limited to a plan provider, instead of directly being able to visit a doctor, knowing that your payment has been made in advance.
However, despite all this the fact is that if you do make it to a program with a professional Medicare doctor, then relentless of the payments you have to make, you will at least know that your patient is in good hands and going to see the doctor will be less of a hassle than it really is.
Still, if the monthly payments and the keeping the doctor happy by always showing up when he asks, even if you don’t have to- as per program requisite is something you don’t like very much, then you could simply stick to a regular doctor.
Be warned however: while there may be more freedom with a regular doctor, know for a fact that in an emergency he or she might not always be there for you the way that they would in a Medicare program!